Payments
Accept Card & Crypto Payments in One Checkout (2026 Guide)
Offer card, crypto and bank transfer in one checkout and convert more buyers worldwide. Stripe, PayTR, iyzico, BTC, ETH, USDT — all in PapelShip's unified payment platform.
Every payment method you leave out is a group of customers who cannot buy from you. Cards cover most buyers in some countries and almost none in others. Crypto reaches people that banks do not serve well. Bank transfer is still the default for larger B2B orders. The checkouts that convert best do not pick one; they accept card and crypto payments side by side and let the customer decide.
This guide covers why a combined checkout matters, which methods to offer, how card gateways and crypto differ operationally, and how to keep everything in a single place — including PapelShip's merchant-encrypted cold wallets and PapelShip+ 0% crypto fee.
Why one checkout beats several
Many sellers end up with a patchwork: a Stripe link for cards, a wallet address in a chat for crypto and bank details sent by email. It works until it doesn't. Orders live in three systems, refunds are tracked in spreadsheets and nobody can say what last month's revenue really was.
A single checkout gives you:
One order record no matter how the customer paid.
One delivery flow: the license key or download is released the same way for every method.
One place for refunds and reporting.
Higher conversion, because customers who can't use one method see another on the same screen.
The payment methods worth offering
Cards through your own gateway
Card payments run through a payment gateway connected to your account. PapelShip integrates with gateways including Stripe, PayTR, iyzico, Mollie, Square, SumUp, Authorize.Net, Shopier and Weepay, so you can use the provider that fits your country and business. Card funds settle through that gateway account under its terms.
Crypto
Crypto opens your store to customers worldwide without a card. PapelShip's checkout supports BTC, ETH, LTC, DOGE, BCH, DASH, SOL, TRX, BNB, USDT and USDC, with locked quotes, network selection for stablecoins and automatic confirmation tracking. Completed crypto payments credit your merchant-encrypted cold wallet — PapelShip holds the ciphertext on cold-storage infrastructure, your password holds the key. On PapelShip+ there is 0% platform fee on crypto; you keep every dollar received.
Bank transfer
For larger orders or business buyers, bank transfer remains popular. The customer receives payment instructions with a reference, and you confirm the payment manually before the order is released.
Custom methods
If you accept something else, such as a local wallet, you can define a custom method with your own instructions and review it like a bank transfer.
Card vs crypto: operational differences
Card | Crypto | |
|---|---|---|
Approval | Instant authorisation | After required confirmations |
Chargebacks | Possible after the sale | Not possible on confirmed transfers |
Who can pay | Customers with an accepted card | Anyone with a supported wallet |
Settlement | Via your gateway's payout schedule | Credited to your merchant-encrypted cold wallet |
Who controls the funds | Your gateway, under its terms | Only you (your password decrypts the wallet) |
Main risk | Fraud and disputes | Wrong network, underpayment |
Platform fee | Through your gateway | 0% on PapelShip+ |
Neither is strictly better. Cards win on familiarity; crypto wins on reach, finality and — on PapelShip+ — zero platform fee. Offering both lets each customer use the one that works for them.
Designing the payment step
Show methods as clear choices, with recognisable names and logos, not a long dropdown.
Order them by your audience. If most buyers pay by card, put card first; if your community is crypto-native, lead with crypto.
Hide what doesn't fit. A low-priced item may not need bank transfer at all.
Keep the price in one currency and convert inside the crypto step, so customers compare like with like.
Confirm the outcome on screen and by email, whatever the method.
Where the combined checkout can live
The same set of payment methods is available wherever you sell: your PapelShip storefront on your own domain, the checkout widget embedded on any website, and payment links you share in chat or email. Customers get the same experience everywhere, and you get the same order records.
Payment processing Embed the checkout Accept USDT
Refunds and reporting across methods
Refunds follow the original method: card refunds go back through the gateway, crypto refunds are sent as a new transfer from your cold wallet. What matters is that every refund is recorded against the original order, so revenue reports stay correct regardless of how the money moved. Each order carries a refund state (not refunded, partially refunded or fully refunded).
Frequently asked questions
Do I need a separate merchant account for cards?
You connect an account with a supported gateway such as Stripe, PayTR or iyzico. The gateway processes the card payment; PapelShip handles the order, delivery and records.
Can I offer crypto only?
Yes. You can enable only the methods you want, per store, and even hide methods per product in the embedded widget.
Does PapelShip hold my crypto?
PapelShip hosts your wallet on cold-storage infrastructure, but every wallet is encrypted with a password only you set. We hold the ciphertext; your password holds the key. We cannot spend, freeze or move your funds — only you can.
Is there really a 0% crypto fee?
On PapelShip+, yes — 0% platform fee on all crypto transactions. The blockchain network fee is passed through at cost when you withdraw.
Will customers be charged in my currency?
Prices stay in your currency. Card payments are charged in that currency through your gateway, and crypto payments are converted at a locked rate when the invoice is created.
How do I see all payments together?
All orders appear in the same dashboard with their payment method, status and refund state, and your webhooks receive the same events for every method.
Offer every customer a way to pay
A checkout that accepts card and crypto side by side converts more visitors and gives you cleaner books. Connect your gateway, enable crypto with merchant-controlled wallet encryption and upgrade to PapelShip+ to keep 100% of every crypto dollar.
